well the speedo works by reacting to the speedo cable spinning, there would be no way for the speedo cable to carry on spinning at 50 mph as the car is slowing down, so its got to be the speedo itself sticking. I adjusted the milage in my 16v speedo without even taking the dial face off, I did have to remove it from the clocks though.
As long as both clocks are the same type (pre or post 90) then the speedo will swap over. Doesnt even have to be the same make, in my driver I had a motormeter speedo in vdo clocks!